Welcome to The Master’s Tax & Financial Services
Our website is an information resource designed to help you learn more about personal finance. We believe that good financial decisions don’t have to be confusing. Our hope is that this website will assist you in learning more about tax issues, investing, retirement, insurance, preparing financially for college, estate planning, and wealth preservation.
As in other areas of life, each of us will be more successful in our financial matters if we hold to a clear objective and make decisions in alignment with our objective. Janelle and Richard are prepared to assist you to:
- Clarify and define your goals
- Identify solutions that fit your needs
- File complete and accurate tax returns taking your best elections
- Plan for future tax events in order to minimize taxes
- Understand how changing financial conditions affect you
- Track your financial progress
- Make investment planning easier (Richard)
Through years of disciplined saving Richard was able to retire from his engineering work early in 2013 at the age of 58. Retirement not only allows more time for grandchildren, but more time for this business. Whatever your future financial goals are - retirement, helping fund college for children or grandchildren, or others - Richard is prepared to help.
No one likes to see a letter from the IRS or state tax or revenue authority, but both Janelle and Richard have taken advanced course work on helping people work through these situations. Both are licensed to represent taxpayers before the IRS.
We are open year-round. During the summer we are often out for a week or so for specialized Continuing Professional Education (CPE) or vacation with grandchildren. But we stay in touch and can help you address your concerns.
Please browse our site. It will not only introduce you to our company philosophy and services, but it will also offer a wealth of educational materials, articles, newsletters, calculators, and other tools — all designed to keep you up-to-date on financial issues, strategies, and trends. This educational material is updated frequently.
Helpful Content
Stay Safe with a Business Owner's Policy
Learn the advantages of Business Owner's Policies with this highly educational and fun animated video.
A New Way to Look at Your Bucket List
Bucket lists don’t have to be for tomorrow.
Four Steps to Valuing an Estate
Determining the value of your estate, or for someone who has passed away, can be a complex undertaking.
Practical Moves to Safeguard Your Financial Progress
Explore these strategies to help protect your purchasing power in a world of rising costs.
Four Steps to Valuing an Estate
Determining the value of your estate, or for someone who has passed away, can be a complex undertaking.
The Values Shaping Your Financial Decisions
A look at how everyday spending, family gifts, and charitable giving can work together to reflect what you care about.
Universal Life Insurance
Universal life insurance is permanent insurance with a flexible premium. Here's how it works.
When Should You Take Social Security
Monthly Social Security payments differ substantially depending on when you start receiving benefits.
Grantor Retained Annuity Trusts (GRATs)
Explaining Grantor Retained Annuity Trusts (GRATs) and their benefit to estate strategy.
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Debt-to-Income Ratio Calculator
Calculate your debt-to-income ratio to understand how lenders may view your financial health.
Taxable vs. Tax-Deferred Savings
Compare how the same contribution grows differently in taxable versus tax-deferred accounts.
Monthly Budget
Track your monthly income and expenses to get a clearer view of your cash flow.
Federal Capital Gains Tax Estimator
Estimate your potential federal capital gains tax liability on the sale of an asset.
How Long Will My Savings Last If I Become Disabled?
See how long your current savings might last if a disability interrupted your income.
What Rate Would I Need to Earn on My Savings?
Work backwards from your savings goal to find the rate of return you'd need to get there.
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Bursting the Bubble
Tulips were the first, but they won’t be the last. What forms a “bubble” and what causes them to burst?
Retirement Accounts When You Change Your Job
This video explores what to do with retirement accounts when you move on from your job.
Tuning Your Social Security Benefit
When should you take your Social Security benefit?
Retirement Plan Detectives
Watch this fun video for tips on how to search for missing money.
Surprises
Making the most of surprises is a great reason to work with us.
When Special Care Is Needed: The Special Needs Trust
A special needs trust helps care for a special needs child when you’re gone.